The average cost of car insurance in Lubbock annually is $1,444. It is slightly higher than the statewide average of $1,405 but cheaper than the nation’s average rate of $1,538. However, different companies offer different deals and policies. Thus, it is best to compare multiple car insurance companies in Lubbock to find the ideal fit.

Jump to Lubbock car insurance rates by:

• Insurance Company
• Age Bracket
• Driving Record
• Credit Score
• Location
• Weather Conditions

Lubbock Cheapest Car Insurance Rates by Insurer

Choosing the car insurance company that best suits your driver’s profile is one way to save on your rates. Choosing the cheapest policy may not always be available if you reside in areas prone to theft, crime, or potential driving hazards, and if you have a past violation on your record. However, if you have a clean driving record, it is likely for your insurance company to offer cheaper rates. GEICO offers the most affordable car insurance rates in Lubbock.

Lubbock Car Insurance Rates by Insurer

Lubbock Car Insurance Rates by Age Bracket

The driver’s age is accounted for by insurers in Lubbock to judge their ability to drive. Lubbock drivers in their fifties pay cheaper rates in contrast to drivers in their sixties. On the other hand, teenage drivers in Lubbock are considered high-risk drivers. Thus, they have the most expensive rates, with a significant gap between different ages. However, teenagers will be entitled to a substantial decrease in their car insurance rates on their 20th birthday.

Lubbock Auto Insurance Rates Per Age Group

Lubbock Car Insurance Rates by Marital Status and Gender

Another factor that contributes to your car insurance rate in Lubbock is your marital status. Married drivers in Lubbock pay lower rates than single drivers. Married drivers are considered more responsible on the road and more financially stable. Additionally, widowed drivers pay cheaper rates than single drivers.

Moreover, gender is another factor that affects your car insurance quotes. Male drivers in Lubbock pay $25 more than female drivers. Male drivers are considered more reckless drivers than females.

Car Insurance Cost in Lubbock by Marital Status and Gender

Lubbock Car Insurance Cost by Citation and Driving Record

In Lubbock, your driving record substantially impacts your car insurance rates. Your auto insurance premium will have an additional cost annually if you are found guilty of driving recklessly or speeding.

A significant increase of $744 will be added to your annual insurance quotes if you are proven driving recklessly. An increase of $116, will be rendered for speeding tickets. As for DWI/DUI violations, an additional $766 will be added to your annual rate. This is essential to maintain a clean driving history to receive a cheaper car insurance rate in Lubbock.

Lubbock Car Insurance Rates by Violation Record

Lubbock Car Insurance Rates by Credit Level

The credit score of Lubbock drivers is another factor that impacts car insurance rates. If the driver substantially elevates their credit score from “Very Poor” (300-579) to “Exceptional” (800-850), it will increase as much as 63% savings on their car insurance premium. Additionally, taking a step from “Fair” credit to the “Very Poor” tier will also gain you savings on your annual rate. This credit tier in Lubbock, is one way to save money on your car insurance.

Lubbock Car Insurance Rates by Credit Level

Lubbock Car Insurance Rates by Location

Location is another contributing factor to your car insurance rates. If you live in areas considered high-risk, it is likely for your car insurance rates to increase. Certain places in Lubbock are prone to accidents, theft, crime, and uninsured motorists. These areas have more expensive rates by 16% than areas considered lower-risk in Lubbock.

Lubbock Car Insurance Rates by ZIP Codes

Lubbock Driving and Weather Conditions

Weather conditions cause car accidents in Lubbock. Drivers experience wet brakes, slick roads, low-visibility, and other driving hazards during bad weather.

Lubbock experiences an average of 60 rainy days annually, with occasional thunderstorms and flash floods. Hence, the weather condiotions is a factor of car accidents in the Lubbock region.

List of Car Insurance Companies in Lubbock

Lubbock Car Insurance FAQs

How do I transfer the registered name of a car gifted to me in Lubbock?

You will need the title transferred and registered under your name. You can click for more information here, TX DMV.

c I have not been in a car accident with other vehicales involved. Will my car damages be covered if I only have PIP & Liability minimum insurance in Lubbock?

Your car’s damages will not be covered with that type of insurance as liability, your insurance will only cover other cars’ damages.

How do receive my deductible in Lubbock?

Your insurance provider usually minus your deductible to your payment, and you will be the one to pay for the repairs necessary for your vehicle.

How do I know or receive my car insurance agent’s name?

Lubbock car insurance companies provides their clients, with insurance cards stating the agent’s name, and contact information.

How do I check the status of my claim in Lubbock?

Lubbock insurance providers usually have an application or website that lets you check the status of your claims and other services they offer. Ideally, you can directly contact a local agent in your area to hear about their services inquired.